VectorFi vs Waterfall

Budget & expense tracker. Net worth & debt payoff. AI money assistant — all in one place. VectorFi makes money management effortless with AI-powered insights, smart budgets, and plain-English guidance (Friendly Mode). Connect multiple accounts securely with Plaid or use manual mode—it works great either way. Available in 10 languages: English, Spanish, Chinese, Hindi, Arabic, Portuguese, Russian, Japanese, French, German What you can do Track income & expenses against a personalized custom budget Connect multiple accounts using Plaid See net worth, assets & debts, balance sheet, and cash-flow trends Import transactions and reconcile recurring payments when transactions comes through Get safe-to-spend insights and risk checks Create goals with timelines and progress bars Use Shared Finances to view combined net worth and income (couples, friends, family etc..) Chat with Vectra—your AI money coach. Using the data you’ve already added (transactions, budget, goals etc..), Vectra gives plain-English, actionable guidance. No need to brief her on your finances—just ask. (Audio responses provided if you prefer to listen) How Vectra helps... “Thinking about buying a car?” → See how it impacts your budget “Planning a trip?” → Get a tailored savings plan Answers are easy to understand and based on the data you choose to provide Works with or without Plaid Connect banks via Plaid to import transactions, or enter data manually. Your data is protected with industry-standard encryption and biometric security Premium Unlock advanced insights, shared finances, account integration via Plaid, unlimited chat with AI advisor and more. Pricing and terms shown in-app Disclaimer: VectorFi provides financial insights and tools for educational use only. It does not provide financial, investment, or legal advice. Please consult a licensed financial advisor for personalized guidance. For more information, see our "Terms of Use" at https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ or visit https://vectorfi.ai.

WATERFALL — SEE WHERE YOUR MONEY GOES Budgeting shouldn't feel like homework. Waterfall shows your finances the way water flows — income pours in from the top, expenses branch out below. One look and you instantly know where every dollar went. No charts to decode. No spreadsheets to maintain. Just a beautiful, flowing picture of your money. ● WHY PEOPLE LOVE WATERFALL "Finally, a budget app I actually understand." — That's what we hear most. Other apps give you pie charts and bar graphs. Waterfall gives you something better: clarity. → Income flows in from the TOP as a single stream → Expenses branch DOWNWARD like a waterfall → Thick branches = heavy spending → Thin branches = light spending → The pool at the bottom = your remaining savings It's budgeting you can feel, not just read. ● RIDICULOUSLY FAST Adding an expense takes 2 seconds: 1. Tap + 2. Enter amount 3. Pick category That's it. No forms, no mandatory notes, no friction. We designed every pixel so your thumb does the work. ● FEATURES YOU'LL ACTUALLY USE ◆ Waterfall Visualization Animated money flow with smooth transitions. Tap any branch to drill into transaction details. Watch your savings pool grow (or shrink) in real time. ◆ Recurring Bills & Income Rent, subscriptions, salary — set them once to repeat daily, weekly, monthly, or yearly. Waterfall adds them automatically so nothing slips through. ◆ Smart Calendar See your spending by day. Darker dots = bigger spending days. Tap any date to see exactly what you bought. ◆ Searchable History Find that one transaction from three weeks ago in seconds. No endless scrolling. ◆ Custom Categories Food, Transport, Bills, Shopping, Entertainment, Health — all built in. Add your own with custom icons and colors. ◆ Monthly Comparison Swipe between months. See if you're spending more or less than last month. No complex reports needed. ◆ Daily Reminder An optional gentle evening nudge to log your day. Habits beat willpower. ◆ Speaks Your Language 50 languages and 100+ currencies. Waterfall works the way you do, wherever you are. ● YOUR PRIVACY IS SACRED All data lives on YOUR device. No account required. No bank login. No cloud. We literally cannot see your financial data — by design. ● FREE FIRST, PREMIUM OPTIONAL Almost everything in Waterfall is free. Premium supports development and unlocks: • No ads — ever • Unlimited custom categories • Export to PDF & Excel Flexible monthly or annual plans — go annual and save 45%. ● BUILT FOR REAL PEOPLE Waterfall isn't for accountants or finance nerds. It's for: • You, if you've tried budgeting and quit • You, if pie charts make your eyes glaze over • You, if you just want to know "where did my money go?" • You, if you need something that takes seconds, not minutes Download Waterfall and finally see where your money goes — beautifully. SUBSCRIPTIONS This app offers auto-renewable subscriptions. - Payment will be charged to your Apple ID account at confirmation of purchase. - Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period. - Your account will be charged for renewal within 24 hours prior to the end of the current period. - You can manage or cancel your subscription in your Apple ID account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/